the caller we just had it is typical of the sense out there in the country that the obama administration was dealing with, that if you help borrowers who have gotten into trouble, then you are helping people that should've been responsible for their own mortgages, for their own credit cards, and why should you take my tax dollars and give it to the title did not do the responsible thing that i did. so i think that was a big reason why you saw the administration and congress not do more on the mortgage crisis and the underwater mortgages and so forth. on the part of the banks, sheila bair was sort of a hero pin all this. she really pushed the administration and congress to make dodd-frank stronger than it might otherwise have been. the battles between her and tim geithner are legendary. i personally think that dodd- frank is a stronger bill than it has been given credit for. time will tell. host: now to florida, independent caller, martin. caller: how are you? i read washington monthly every day. i will try to break this down to three things. the investment banks, perhaps we should remove